| Metric | The Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.5% | +2.2 pts |
| Deposit growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.1 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 11.8% | 12.2% | -0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $1.01B | $628.9M | $122.1M | $7.0M | 1.24% | 4.26% | 0.17% |
| Q1 2026 | $1.16B | $1.03B | $621.7M | $119.6M | $3.3M | 1.17% | 4.20% | 0.17% |
| Q4 2025 | $1.10B | $978.2M | $620.6M | $117.5M | $11.9M | 1.13% | 4.22% | 0.12% |
| Q3 2025 | $1.04B | $915.6M | $596.1M | $115.7M | $8.8M | 1.12% | 4.18% | 0.16% |
| Q2 2025 | $1.06B | $939.7M | $587.4M | $109.4M | $5.5M | 1.05% | 4.10% | 0.22% |
| Q1 2025 | $1.05B | $936.1M | $581.8M | $106.7M | $2.6M | 0.99% | 4.04% | 0.21% |
| Q4 2024 | $1.03B | $919.4M | $569.7M | $101.5M | $11.2M | 1.12% | 4.00% | 0.17% |
| Q3 2024 | $1.02B | $904.5M | $564.4M | $106.6M | $8.3M | 1.12% | 3.96% | 0.25% |
Loan mix (Q2 2026): real estate $546.7M · commercial $49.3M · consumer $35.3M · securities $271.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 59.0% | 54th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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